Saving to pay less tax? What to know before committing


Finding an investment before the end of the year to pay less tax is a race in which some taxpayers engage. With results not always up to their expectations. First, because it is useless to be blinded by the tax advantage linked to a financial product without looking at its characteristics, in particular the period during which one’s savings are immobilized, and above all at its yield. Some investments will only offer mediocre returns.

Then, before setting your sights on this or that investment with tax-exempting power, you will want to start by taking stock of your tax-exempting capacities.

It is in fact useless to seek to reduce the tax to be paid on your income in 2022 if you have already reached the ceiling of tax loopholes of 10,000 euros with the tax reduction granted for the employment of a home-based employee. (the amount of which can reach 7,500 euros, or even 9,000 euros if you called on a direct employee for the first time in 2022 without going through a service provider) and/or if you benefit from a tax reduction spread over several years granted in return for a rental investment made a few years ago under the Duflot, Pinel, Censi-Bouvard, etc. schemes.

Real estate: tax SCPIs

If, as the end of the year approaches, it is too late to make a rental investment, “fiscal” SCPIs (civil real estate investment companies) can allow you to benefit from the same advantages as direct real estate , but with a smaller down payment, while being rid of the worries of rental management.

These SCPIs have the particularity of being invested in residential real estate, most often old with works so as to be able to benefit from tax reductions Malraux, Denormandie, Pinel…

Read also: Article reserved for our subscribers Life insurance and real estate: still a winning combination?

Main advantage of this subscription at the end of the year: it is not necessary to wait for the end of the work to start benefiting from the advantage. The tax reduction is granted for 2022 income if you subscribe before the end of the year.

FIP and FCPI shares: to benefit from an increased rate

Another traditional end-of-year product accessible from a few thousand euros: mutual funds for investment in innovation (FCPI) and local investment funds (FIP) devoted to the financing of innovative and unlisted SMEs. regional.

Subscription to units in these specialized funds entitles you to separate tax reductions, payments being withheld within the limit of 12,000 euros (single person) and 24,000 euros (couple) for each category of fund.

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